Updated September 28, 2026 · SumCue Editorial Team
Avanti Travel Insurance vs Hiscox
Avanti Travel Insurance
Hiscox
Higher score in this comparison
What sets them apart
| Compare | Avanti Travel InsuranceReviewVisitVisit | HiscoxReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel | Auto |
| Provider type | Broker | Insurer |
| Excess from | £0 | $0 |
| Cover limit | GBP 5,000,000 medical emergency and repatriation (Essentials) | General liability: $300,000 to $2,000,000 limits |
| Claims channels | Online form, Phone, Email, Post | Online, Phone |
| Premium from | Not confirmed | $30 |
| Age range | All ages (age bands 0-65, 66-70, 71-75, 75+) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Hiscox scores higher overall: 9.1 vs 9.0.
- Founded is lower at Hiscox: 1901 vs 2009.
- Avanti Travel Insurance is licensed in 1 more country.
- Insurance types: only Avanti Travel Insurance offers Travel.
- Insurance types: only Hiscox offers Auto.
- Claims channels: only Avanti Travel Insurance offers Online form, Email, Post.
- Claims channels: only Hiscox offers Online.
- Support channels: only Avanti Travel Insurance offers Email, Chat.
Our verdict on each
Avanti Travel Insurance
Avanti Travel Insurance suits UK households buying a single trip or an annual multi-trip policy for a holiday they already have booked. The median starting premium across the site is €8.31, and annual multi-trip cover can run monthly to keep the year affordable.
Hiscox
Hiscox is an insurer for small businesses rather than a bank, so it suits owners who want general liability cover starting at $30 with an excess from $0 and can pay monthly. Households shopping for everyday savings or current accounts will find the offer narrow.
Score breakdown
| Area | Avanti Travel Insurance | Hiscox |
|---|---|---|
| Cost | 9.3HigherPolicy excess starts at £0, and the lowest starting premiums on the site sit at €2.92. | 9.1Premium from $30 with an excess starting at $0, monthly payments available |
| Offer | 9.2Higher | 8.4 |
| Trust | 8.7 | 9.6Higher |
Positions in our rankings
| Ranking | Avanti Travel Insurance | Hiscox |
|---|---|---|
| Insurance | 36 of 627 | 229 of 627 |
Every fact side by side
| Fact | Avanti Travel Insurance | Hiscox |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | TICORP Limited | Hiscox Insurance Company Inc. |
| Headquarters | United Kingdom | Bermuda |
| Founded | 2009 | 1901Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Avanti Travel Insurance | Hiscox | Median |
|---|---|---|---|
| Premium from | Not confirmed | $30above the median | $11 |
Median across 53 listed providers.
Pros and cons
Avanti Travel Insurance
Pros
- Age bands run across All ages (age bands 0-65, 66-70, 71-75, 75+), so older travellers are not pushed out of single-trip cover.
- Annual multi-trip cover can run monthly, spreading a year of trips into smaller payments.
- Support runs on email, chat and phone, and claims can be started on online form, phone and email.
Cons
- Cover is limited to travel, so home, car and life policies have to come from elsewhere.
- Avanti is a broker rather than the risk carrier, so the wording sits a step from the underwriter's own.
- Starting premiums across the site sit at €2.92 at the low end and €43.47 at the upper end, so a year of frequent trips carries a real bill.
Hiscox
Pros
- General liability cover priced from $30, with limits of General liability: $300,000 to $2,000,000 limits
- Excess starts at $0 on the general liability policy
- Monthly payments are available, so cover does not need to be paid in one go
Cons
- Cover is limited to the auto type listed under auto, so home, travel and life cover sit outside the range shown here
- Support runs on phone and help centre, with live chat and email not among the listed routes
- Hiscox Insurance Company Inc. is headquartered in Bermuda under BM, and the UK Financial Services Authorisation covers the United Kingdom market rather than the domiciled entity
Who each suits
Avanti Travel Insurance
Who it suits
- UK travellers taking a single trip who would rather not hold an annual commitment.
- Seniors and later-life travellers, since age bands run across All ages (age bands 0-65, 66-70, 71-75, 75+).
- People who prefer to deal with a person: support runs on email, chat and phone.
Who should look elsewhere
- Anyone after life cover: Linxea sells life instead.
- Households wanting health or gadget cover as well: Oney Préstamos ES lists health, life and gadget.
- Travellers who also need motor, home or gadget insurance: EuroAsia Insurance bundles auto, home and travel.
Hiscox
Who it suits
- Small business owners who need general liability cover and can pay monthly
- Traders and contractors carrying client-facing risks
- Anyone comfortable holding a policy with an insurer domiciled outside the UK
Who should look elsewhere
- Households comparing savings, current accounts and cards, where bunq is a better fit
- Shoppers wanting auto cover alongside home or life policies
- Buyers who want a UK regulated provider rather than an overseas insurer
Current offers
Hiscox
Current offer
Discount code
Bundle and save on general liability insurance: up to 5% discount
Bundle general liability insurance with other coverage such as professional liability or cyber security insurance
Source, checked September 26, 2026
Bonus
Chase Business Complete Checking partner offer: up to $500
new Chase business checking customers with qualifying activities
Source, checked September 26, 2026
Country by country
| Country | Avanti Travel Insurance | Hiscox |
|---|---|---|
| Gibraltar | Yes | No |
| United Kingdom | Yes | No |
Questions about each
Avanti Travel Insurance
What is the excess on Avanti travel cover?+
The excess starts at £0 on single-trip cover. Essentials cover includes medical emergency and repatriation up to the limit printed in the policy schedule, so nothing is deducted from a payout for the excess. Higher tiers can set a different excess, and your own tier's schedule is what counts.
Is Avanti Travel Insurance regulated in the UK?+
Yes. The brokerage is registered with the Financial Conduct Authority under 663617, and the licences on file also name the Gibraltar Financial Services Commission for business routed outside the UK. As a broker, Avanti sells on behalf of an insurer rather than carrying the risk itself, so the underwriter is named in the policy documentation.
Hiscox
How much does Hiscox cover cost?+
General liability cover starts at a premium of $30, with cover limits set at General liability: $300,000 to $2,000,000 limits. The excess begins at $0, so there is no compulsory excess to fund on that policy. Prices are quoted per policy rather than as a flat monthly fee.
Can I pay the premium monthly?+
Yes. Monthly payments are offered, which spreads the cost across the policy year instead of one lump sum. That suits small businesses with uneven cash flow, and it is the norm on the market, where most insurers listed allow monthly payments.
Other options to compare
Other matchups
Avanti Travel Insurance
Hiscox